SmartQarza is an online lending app in Pakistan. It is reliable and transparent, offering quick support from a team of financial experts. Providing flexible loan products and fast approval times, it helps conveniently resolve financial difficulties.
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Facing unexpected financial difficulties and in need of a personal loan to tackle those challenges? Let SmartQarza assist you. SmartQarza is an online lending application, providing quick and reliable loan solutions for residents of Pakistan. The app is owned by Gold Lion Financials (Private) Limited, an SECP licensed NBFC company, operating in strict compliance with regulations and laws. With SmartQarza App, you can conveniently and easily apply for a loan from anywhere and receive the money instantly upon approval.

Benefits of using SmartQarza

Convenience and Speed

SmartQarza provides a simple and convenient experience for personal loan applications. You just need to fill out basic information online, and then all procedures are processed quickly. No more dealing with complex and lengthy processes as in traditional banks.

Expert Advice

SmartQarza not only offers loan services but also connects you with a team of financial experts. They will support you throughout the application process, help you understand loan options, and make informed decisions based on your financial situation.

Flexibility in Loan Options

With SmartQarza, you can choose flexible loan amounts and terms that suit your personal financial needs. Whether it’s addressing short-term financial difficulties or investing in larger projects, all can be accommodated through this application.

Time and Effort Savings

No need to travel to a bank or go through complicated paperwork. SmartQarza saves you a lot of time and effort in the loan process. Everything can be done through your mobile phone, conveniently and easily.

Transparent and Reliable Service

SmartQarza is committed to providing transparent and reliable loan services. You won’t encounter any hidden fees, and all loan information is provided clearly from the beginning. This helps you manage your finances better and repay the loan on time with ease.

Building Positive Credit History

By borrowing and repaying on time through SmartQarza, you can build a positive credit history. This can help you access larger loans in the future and receive better interest rates from other financial institutions.

Security and Safety

SmartQarza is dedicated to protecting your personal information. All data is securely stored at a bank-level security standard and will never be disclosed to any third party without your consent. You can confidently borrow money safely and securely through this application.

Loan Product Information

SmartQarza offers a range of flexible personal loan products that allow you to easily and conveniently address short-term financial difficulties. Below are the detailed loan product information provided by SmartQarza:

  • Loan Amount: From 2,000 PKR to 50,000 PKR.
  • Loan Tenure: From 91 days to 365 days.
  • Annual Percentage Rate (APR):
  • From 5% to 10%.
  • Other Fees: 0.

SmartQarza’s loan products are designed to meet diverse financial needs of users, allowing you to choose the loan amount and tenure that suits your personal financial situation.

Example for a loan:

Suppose you apply for a loan with a principal amount of 5,000 PKR and a tenure of 120 days (equivalent to 4 months). The annual interest rate applied is 10%, and there are no other fees.

  • Disbursed loan amount in hand: 5,000 PKR
  • Total interest to be paid = (5,000 * 10% * 120) / 365 ≈ 164 PKR
  • Daily interest = (5,000 * 10%) / 365 ≈ 1.37 PKR
  • Total amount to be repaid = 5,000 + 164 ≈ 5,164 PKR
  • Monthly installment amount = 5,164 / 4 ≈ 1,291 PKR

So, if you borrow 5,000 PKR through SmartQarza with a tenure of 120 days and an interest rate of 10%, you will have to repay a total of 5,164 PKR after 4 months, and the monthly installment amount will be 1,291 PKR.

Eligibility Criteria for Registration

To apply for a loan through SmartQarza, you need to meet the following criteria:

  • Age between 19 and 55 years.
  • A citizen of Pakistan.
  • Possession of a valid national identification card (CNIC).
  • Have a stable source of income or employment.

Guide to Registering for a Loan at SmartQarza

Below is the process of applying for a loan online through the SmartQarza App. Please follow and complete the instructions as follows:

Step 1: Download the SmartQarza app to your mobile device via

Step 2: Create an app account by providing your personal information such as your full name, mobile number, email address, and password.

Step 3: After successfully creating the app account, you will be redirected to the app’s homepage. Here, you can select the “Loan” section on the navigation bar to begin the loan application process.

Step 4: Enter the loan amount needed and the loan tenure. Information about the interest rate, maximum loan amount, and maximum loan tenure will be provided at this stage.

Step 5: Once you have completed all the required information, your profile will be processed within a few minutes. If your profile is approved, the loan amount will be disbursed into your bank account.

Step 6: Make loan repayments according to the payment method you selected during the registration process.

Note: To ensure a quick and convenient loan application process, it is essential to provide complete personal information and relevant documents as requested by SmartQarza.

Loan Approval Time

The loan approval time in the SmartQarza app typically ranges from 30 minutes to 1 hour. In some cases over the weekend, the approval process may be delayed until the following Monday.

If your profile is approved, you can receive the loan amount within approximately 5 to 10 minutes, depending on your bank’s processing time.

Is SmartQarza a Scam?

No, SmartQarza is a reputable and reliable choice for borrowing money. Gold Lion Financials (Private) Limited, the company behind SmartQarza, is licensed and operates in compliance with government regulations in Pakistan. The office address is clearly provided: Office No. 02 and 04, 2nd Floor Rajpoot Plaza, GT Road Wah Cantt Tehsil Taxila, Distt Rawalpindi, Punjab, Pakistan. SmartQarza is committed to transparency and values customer satisfaction through its user-friendly system and dedicated support from financial experts.

Contact Information for SmartQarza

  • Online customer service within the SmartQarza app.
  • Customer Care Email: [email protected].
  • Working Hours: 9:00 AM to 6:00 PM, Monday to Sunday.
  • Office Address for Customer Service: Office No. 02 and 04, 2nd Floor Rajpoot Plaza, GT Road Wah Cantt Tehsil Taxila, Distt Rawalpindi, Punjab, Pakistan.

During app usage, if you have any questions, need advice, support, or want to make a complaint, you can contact them through the provided channels. SmartQarza will assist you quickly and efficiently.


SmartQarza is a reputable and reliable online lending app in Pakistan. With clear office address information and government operating licenses, SmartQarza ensures compliance with regulations and laws. The transparent loan products and dedicated support from financial experts have earned SmartQarza positive reviews from many customers. For those in need of resolving short-term financial situations, SmartQarza App is a trustworthy and convenient choice.

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